When the emails first started piling into Latitia Jackson’s inbox about heading back to the office after Labor Day, she and her colleagues figured it wouldn’t really happen.

The Jacksonville, Fla., bank where Jackson, 47, works had pushed back its return-to-office plans many times over the past two years. But now the day is fast approaching, and Jackson is reluctant to trade her jeans and T-shirt for office attire. Nor is she looking forward to being surrounded by people, having grown used to the quiet of her apartment. Coming back on a hybrid schedule helps a little, but it still feels like a downgrade when she’s been happier and more productive working from home.